# MANHATTAN BANK
MANHATTAN, MT · FDIC certificate 11823 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $287.1M | |
| Deposits | $252.7M | |
| Loans and leases | $162.6M | |
| Total equity | $24.0M | |
| Loans / deposits | 62.98% (p34 of band) | 73.59% |
| Liquid assets / assets | 40.15% (p63 of band) | |
| Uninsured deposits / deposits | 19.29% (p48 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.79% (p63 of band) | |
| FHLB advances / assets | 2.79% | |
| Tier 1 leverage | 9.90% (p23 of band) | 11.76% |
| Unrealized securities loss / equity | -20.02% (p23 of band) | -6.57% |
| AOCI / equity | -0.30% (p54 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.17% |
| Net interest margin | 3.90% (p49 of band) | 3.93% |
| Efficiency ratio | 63.09% (p43 of band) | |
| Noncurrent loans | 0.35% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 602.61% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 69.44% (p87 of band) | |
| Auto loans | $1.2M (0.75% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | capital falling, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 0 |  | charge-offs p90, capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | uninsured deposits leaving |
| 2023-12 | 4 | uninsured deposits leaving | assets shrinking |
| 2024-03 | 3 |  | deposits shrinking |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 2 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | construction >100% equity, securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-19 [Manhattan vs. Three Forks - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOUlZ6UTFiN1ZVX2VKbXc3YmJyMUxDall1MUNrek5ZQVM1c3VVdjA0SkpOcTh3SmdwTUJ1VXVMLUZ6RnFIWjBIb21zazRRVDBUU0xhS1g1VGN5MEw2dkxVajJKNUNKbkRyVFB5ekFPcFIyZVBrU3NQNlgybC1fR3BHTTl4eVRuM2k1dkFEU0RPdnFfT3dXelVTcXQxcmQwMzl6YzRwNVRkNEtySGlZZXhsLS1xVFpJeHVHZzBxYWs5ekpzNGtHOUNPVHZ1eDNqNEUtV3BmVk81Nk1RTWZXbHZ6d3czdFlJaEtHc3NsTGRVUEpGblhnRUQ0SmtNOWpNOVRnX0czYjc2Qnk?oc=5) · Bozeman Daily Chronicle
- 2024-01-27 [Manhattan Bank employees bring joy to four communities - belgrade-news.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOdlN0WmV1a3ZQUEZCVGt2akU4elR6OGkzU2I3SWZFakZ5LWozcTg5NGNHMUNYY1I2Mm5aTEpMc2hmVUpNMGx6Ul9TdnR5TEZJSnRZTTEtNGg1TW1vR0RtUENpSEp3bWJoLVNqVi1qd2M1Qy1zM0lGaHZGbEFRTU5PRHNsWjhmQTBNdFNGa1VNZ19nODRWamRYRW0yNWkwdWVJdWI3VkpxdzB6WTBnZERoOUIxU0lmbUtoQjFVUGdSU1JVY0VFa0lCa0hBYVNYLWZmNW5hN0M0aGg5QmM?oc=5) · belgrade-news.com
- 2025-12-10 [15 players out for Choteau boys basketball - Choteau Acantha](https://news.google.com/rss/articles/CBMikAFBVV95cUxNLXR4RXYxSEpJOWlzelRzbG93VXRESGNzZWhfbTJPUFMxWUZJdDVsZmJXdlpkXzVRSGhBcURoOEZCaXJyTzlwUmhZVGNaMW1oWUk2VWZPREN2dWNQR2J1ajZzUW1WYXpWU254UnNJM3E4SG9HbmN1ZEM1Ymsxb3ZXWHNSemN3SWRjM0c5Sy1qZ3E?oc=5) · Choteau Acantha
- 2021-09-24 [Note-passing thief swipes $1,000 from Manhattan bank: NYPD - amNewYork](https://news.google.com/rss/articles/CBMiigFBVV95cUxQWGZ1Yi0ySnpzWi1EZ0p3ZnMwT3pZQy1VOEVIbXlNR1hSeVg2c1Y0U05pd1dRazM4MENSNDlsN1VncWkyekR2Ync0UXVyVVVuMFNhV3N3X0pwRVFIemo0WG9OWTVNSEJ2S3BSc3h4T3pOWmE2QzJfbWFVRjNOUnM1a2l0YnMyWUxyd1E?oc=5) · amNewYork
- 2020-05-06 [See the immersive art museum proposed for a landmarked Lower Manhattan bank hall - 6sqft](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdmtDZ1lwU1dIQ1M5UkJpT2t1cF8xVnQzalZMQnBMVzA2cDJaR2h1bUtjcUFOZFVxR0NmeXMxSWpxYklhWFdpbEl4LTFxYXQwbTRkVk1tZ21CdXJWdUpqTUt5cGNEems0MUduTjB6akphOGVnQ0dWM1FjV2s4LUFfVUtiT09qUDl2bER0RFQ1aWNsMDdMZzV3U1Y1czg1b0tMVmFpeGhB?oc=5) · 6sqft
- 2023-02-17 [A case of mistaken identity leads artist to commission conceptual bank designs - The Architect’s Newspaper](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNSHNyR3QtanA4VjFubEhRYXpxMlVGLVRmOFlQQnZXSmcwZjJiNjZFaDd6UVVXN1lJdF9CVzJtM0p4a1lCRTlfUVB0Mm5BQjJKWXl2WVROQVUxUi1OWGFVRElEZWMxcXNibGhWWlpuWDlFOUxBSDNyRnJINmF0VHpxclhYWXBfNjFja0RieVhsc05iSGVsR3BuNkpWQ3NtS1JCUHRWRkFuTWkxTFVmai05eGQ2VzdMemlZZlhTRTFDdkd2czJON2hvZWIwQ0Rvbi1tYVE?oc=5) · The Architect’s Newspaper
- 2019-01-12 [Walter Shipley, the former chairman of Chase Manhattan, dies at 83 - CNBC](https://news.google.com/rss/articles/CBMiowFBVV95cUxQMjRLMllQX0hsT3F1RUFqNmdVUGtxeEtUcjBrTFNfcXhsNVVGeTllQTdkOUJfeHk0Y3FHeVNqMjV3SGF1VkFqdDJ2OThuYUkwa0lIMWlXa01wWXltUXNmbGZxY3hZS19ScHBEYk1ucnlmUHR3UGxfX216YTVhTkZldWYxazJGX3JvWDZnaHlBWG80VWJvaUo2clBMazd6V1lwS3Q40gGoAUFVX3lxTFAzWE1kTFhMT0NmTlI5MEhPZi1DeU9NS0NNNFdkV1lzdFVReUNqTlExeV9Ma1hCbEpULUkwWUw4RDN6TXFla0MxekhfbEJjdnJKQzJmQmx4djB1a1R0SFhLWkFNam9fREF0Znd2S0FhWlBfRC0xUjZJVzJqeVdCaHhOWFN2QjZWNTJFaEgwdGRxSVM3UVlMTlFRZEtiLW5tdVhFdWVWdFpjZg?oc=5) · CNBC
- 2019-10-25 [Familiar face tapped to lead Manhattan Bank - belgrade-news.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOdFE1YXZ2dkhpUV9kQXY0V0ctSXE3Q0JMSkthWnh0RzVfVkZpQnFId2JSMDIzQWxyaHo0TkVwNTZkM2EwQk90bVFfd3hJVXBtME1aSVRBcmF3aUFRcWlpVVV5TnV6UGNHd053ZVE5UTJWczBDS0dUWEFjSVZjUUx3UFd3MzdFa3A2SENma293c1ZraDJBaHp1SEtHeXRJSWJrbDdzdlcxNnFhd1BfTWkwODlDckhLd2tvWGsySVNueGVEQkRjUVhCOG52enhnUmNzc0g4?oc=5) · belgrade-news.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11823 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "11823", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide